"Complete savings"...scam??

hollymcr

marcia_ said:

 Its misleading hence scammy which is why it has been banned from advertising the way they do

Which part of the advert which states very clearly that you can get the cashback by joining their £18/mo program is misleading or scammy?

And unless something has changed since I signed up it's made very clear at multiple points throughout sign-up how it works, and they send regular emails reminding you of the subscription as well. 



That's from my account: I certainly don't feel like I've been scammed. It would be worth the £15/18 monthly fee even if you didn't get that back with the first purchase through the merchant you signed up with (hint: make that someone you can use monthly like eBay, not travel cards or similar). 

It's not for everyone, but nothing is. But it really takes willful ignorance to get roped into this without understanding it, in my opinion.

jnm21

marcia_ said:

MeteredOut said:

marcia_ said:

amurray88_2 said:

CompleteSavings is brilliant - it's a membership yes, but has (and continues) to save me a fortune. My wife and I are both members - it costs £15 each per month but as long as we buy something (a 1p sim card from ebay) each per month we get that back.

On top of that you get 20% discount on One4All gift cards which we use on just about all our groceries (£200 gift card for £160) and get a huge amount of cashback on things on top of that.

It's far far better than Quidco and TCB. Problem with the advert? possibly. Scam? definitely not.

 The scam comes from how they get people to sign up not how the site/cash back works. 

It's not a scam - they just play on people's laziness to not read web page content and automatically tick the "I agree to the terms and conditions" boxes.

 Its misleading hence scammy which is why it has been banned from advertising the way they do

I do not think it is misleading - it is like when Mobile companies offered "use your UK allowances in the EU" &... tries to think of an apt, but not rude description... people who don't ensure they fully understand an offer & run up huge bills by allowing kids to use data unchecked.

As others have detailed VERY well, I use complete savings & benefit hansomly from it, between the £20 (20% on £100) per month saving on One4All giftcards, the £15 bonus & 10 to 15% cashback on many retailers.  The only 'cost' is remembering to make 1 ebay purchase per month, then forward the order confirmation email &, in the rarest circumstances that I can't think of an item I really want, the only cost is that 99p or less item (which I get 10 to 15% cashback on) - before using any of their EXCEPTIONAL cashback rates, I am a minimum of £19 per month up!

You can with a bit of effort get £34 profit from your free trial... Around the 24th of the month, look back to an ebay purchase confirmation email & sign up.  Go through CS to ebay & buy something (either something you want or a random item up to 99p - many SIM card listing's will accept 20p best offers), then submit the claim for your £18 bonus.

Wait for the 1st of the next month & repeat to claim a second month's bonus.  Once you have email confirming both bonuses, withdraw £36 & cancel your membership.

You can improve this further by buying 2 £100 gift cards for £80 each (1 before the end of the calendar month you join & another on the 1st of the next month)!  Total profit now over £70.  Do a 3rd purchase & claim your welcome bonus & you can be well over £90 up, for a £3 outlay! 😂

WARNING: when you see how easy it is, you will want to stay - no scam, just a great offer for those capable of jumping through the odd easy hoop. 😉

Jason9091

I can't remember the wording when I signed up (about 3 years ago), but it was always obvious to me how it works. Make one purchase through it every month, file a claim and get the monthly fee paid back. That's all there is to it.

10% back on purchases makes it the best cash back site for most online retailers.

GG7

Here we go again. Let's bash Completesavings because some people are too stupid to read the conditions and check their bank statements, and even are not ashamed to admit to the public how stupid they have been. 

My wife and I have been members since 2016 and have made over £7000 in cashback and discounts on giftcard purchases. Although they now ban more than one member from any household.

To join Completesavings you have to tell them your bank card number for the monthly subscription and your bank account details to have your monthly bonus and cashback paid into. If anyone hands over these details without checking exactly what they are used for then it confirms the proverb about a fool and their money.

The downside to Completesavings is that you have to check that the cashback has been paid and if not (usually for a large purchase) you have to contact them by email. The staff reply using templates which may not be appropriate to your complaint and is invariably wrong. So hold your ground and continue to argue with them and the cashback will be paid. 

Instead of criticising Completesavings, Moneysavingexpert should be encouraging people to join as they are far superior than the other cashback schemes that they do recommend.



 

jnm21

GG7 said:

Here we go again. Let's bash Completesavings because some people are too stupid to read the conditions and check their bank statements, and even are not ashamed to admit to the public how stupid they have been. 

My wife and I have been members since 2016 and have made over £7000 in cashback and discounts on giftcard purchases. Although they now ban more than one member from any household.

To join Completesavings you have to tell them your bank card number for the monthly subscription and your bank account details to have your monthly bonus and cashback paid into. If anyone hands over these details without checking exactly what they are used for then it confirms the proverb about a fool and their money.

The downside to Completesavings is that you have to check that the cashback has been paid and if not (usually for a large purchase) you have to contact them by email. The staff reply using templates which may not be appropriate to your complaint and is invariably wrong. So hold your ground and continue to argue with them and the cashback will be paid. 

Instead of criticising Completesavings, Moneysavingexpert should be encouraging people to join as they are far superior than the other cashback schemes that they do recommend.



 

A little harsh, but on the whole true!  It is like how Martin compares credit to fire - used wisely it is a great tool, used foolishly it can do great harm.

On a similar note, a 16 year old can have a baby, leave home, go to fight a war, etc., but they can't buy a semi sharp bread knife to use in their home.  It is a bit like my mum & I who suffer headaches, we can go to 20 shops/tills & buy hundreds of paracetamol, but woe betide we try to buy 48 between us in a £150 shop for 4 adults (even during covid) - sometimes we go too far with laws to protect people.  I favour education - warnings like those on Tobacco products - "taking a paracetamol overdose is unlikely to kill you, but will likely make your situation worse!" 

Newman2

There is too much hand holding these days. People expect to take no responsibility for their own actions whatsoever.  The story from the newsletter says a guy lost £1000 after Complete Savings charged his credit card for 7 years. Do these people never check their statements? I check mine every month, banking app more than that.  There is really is no excuse to let it run to that length of time. And as for the initial sign up, it's completely clear what you sign up to. If you are happy to make a small purchase from the same company to get the £20.87 then go ahead. I bought toilet rolls which are a necessity and got them for free due to the bonus.  A little effort pays dividends but people just want everything for nothing with no effort whatsoever.   It's no good MSE claiming it's a misleading when everything is there on sign up, you just have to read it.

marcia_

jnm21 said:

GG7 said:

Here we go again. Let's bash Completesavings because some people are too stupid to read the conditions and check their bank statements, and even are not ashamed to admit to the public how stupid they have been. 

My wife and I have been members since 2016 and have made over £7000 in cashback and discounts on giftcard purchases. Although they now ban more than one member from any household.

To join Completesavings you have to tell them your bank card number for the monthly subscription and your bank account details to have your monthly bonus and cashback paid into. If anyone hands over these details without checking exactly what they are used for then it confirms the proverb about a fool and their money.

The downside to Completesavings is that you have to check that the cashback has been paid and if not (usually for a large purchase) you have to contact them by email. The staff reply using templates which may not be appropriate to your complaint and is invariably wrong. So hold your ground and continue to argue with them and the cashback will be paid. 

Instead of criticising Completesavings, Moneysavingexpert should be encouraging people to join as they are far superior than the other cashback schemes that they do recommend.



 

A little harsh, but on the whole true!  It is like how Martin compares credit to fire - used wisely it is a great tool, used foolishly it can do great harm.

On a similar note, a 16 year old can have a baby, leave home, go to fight a war, etc., but they can't buy a semi sharp bread knife to use in their home.  It is a bit like my mum & I who suffer headaches, we can go to 20 shops/tills & buy hundreds of paracetamol, but woe betide we try to buy 48 between us in a £150 shop for 4 adults (even during covid) - sometimes we go too far with laws to protect people.  I favour education - warnings like those on Tobacco products - "taking a paracetamol overdose is unlikely to kill you, but will likely make your situation worse!" 

Newman2 said:

There is too much hand holding these days. People expect to take no responsibility for their own actions whatsoever.  The story from the newsletter says a guy lost £1000 after Complete Savings charged his credit card for 7 years. Do these people never check their statements? I check mine every month, banking app more than that.  There is really is no excuse to let it run to that length of time. And as for the initial sign up, it's completely clear what you sign up to. If you are happy to make a small purchase from the same company to get the £20.87 then go ahead. I bought toilet rolls which are a necessity and got them for free due to the bonus.  A little effort pays dividends but people just want everything for nothing with no effort whatsoever.   It's no good MSE claiming it's a misleading when everything is there on sign up, you just have to read it.

 Why you are frequenting A money saving website is beyond me 

Newman2

marcia_ said:

jnm21 said:

GG7 said:

Here we go again. Let's bash Completesavings because some people are too stupid to read the conditions and check their bank statements, and even are not ashamed to admit to the public how stupid they have been. 

My wife and I have been members since 2016 and have made over £7000 in cashback and discounts on giftcard purchases. Although they now ban more than one member from any household.

To join Completesavings you have to tell them your bank card number for the monthly subscription and your bank account details to have your monthly bonus and cashback paid into. If anyone hands over these details without checking exactly what they are used for then it confirms the proverb about a fool and their money.

The downside to Completesavings is that you have to check that the cashback has been paid and if not (usually for a large purchase) you have to contact them by email. The staff reply using templates which may not be appropriate to your complaint and is invariably wrong. So hold your ground and continue to argue with them and the cashback will be paid. 

Instead of criticising Completesavings, Moneysavingexpert should be encouraging people to join as they are far superior than the other cashback schemes that they do recommend.



 

A little harsh, but on the whole true!  It is like how Martin compares credit to fire - used wisely it is a great tool, used foolishly it can do great harm.

On a similar note, a 16 year old can have a baby, leave home, go to fight a war, etc., but they can't buy a semi sharp bread knife to use in their home.  It is a bit like my mum & I who suffer headaches, we can go to 20 shops/tills & buy hundreds of paracetamol, but woe betide we try to buy 48 between us in a £150 shop for 4 adults (even during covid) - sometimes we go too far with laws to protect people.  I favour education - warnings like those on Tobacco products - "taking a paracetamol overdose is unlikely to kill you, but will likely make your situation worse!" 

Newman2 said:

There is too much hand holding these days. People expect to take no responsibility for their own actions whatsoever.  The story from the newsletter says a guy lost £1000 after Complete Savings charged his credit card for 7 years. Do these people never check their statements? I check mine every month, banking app more than that.  There is really is no excuse to let it run to that length of time. And as for the initial sign up, it's completely clear what you sign up to. If you are happy to make a small purchase from the same company to get the £20.87 then go ahead. I bought toilet rolls which are a necessity and got them for free due to the bonus.  A little effort pays dividends but people just want everything for nothing with no effort whatsoever.   It's no good MSE claiming it's a misleading when everything is there on sign up, you just have to read it.

 Why you are frequenting A money saving website is beyond me 

I don't understand your comment.  I still saved money by my actions by getting the bonus but I was canny enough to read the terms and conditions before signing up.  You can do both you know.   To save money takes a bit of effort these days so just looking at money saving sites isn't enough.  If you would care to explain your reaction to my comments I would be happy to engage in conversation with you but your reaction was puzzling to say the least 

Pollycat

Pollycat said:

I noticed on my eBay buying account the following:

Your order is complete.
£20.87 cash back!

Click here to claim the above reward, credited onto your card, when you next place an order!

Claim Your £20.87

By clicking above, you can join our third party partner programme for 18 pounds/month and claim your reward with

I wonder if people are clicking on the cashback link without realising that there is a monthly fee involved.

I don't click on anything without reading everything first.

I posted this on the first page of the thread.
It seems very clear to me that there is a monthly subscription attached to the cashback offer.
So, it's definitely not a scam and I don't think it's scammy.
I'm surprised that the regulator decided that the ads were misleading.

From the MSE article:

Too many people are caught out by quickly seeing, then clicking the 'Click here to claim your £20.87 cashback, paid on your card' button – which people interpret as a reward for shopping, rather than the reality, which is an £18 a month subscription scheme.

Hoe much nannying do some people need?

flaneurs_lobster

Pollycat said:

Hoe much nannying do some people need?

Some people just plough on regardless, raking over old news 'till it's done.